Vehicle Loans

Loan Features

  • No Payments for 90 Days*
  • Up to 100% Financing Available
  • Competitive Rates, as low as 2.99% APR
  • Flexible Loan Terms, up to 96 months
  • Affordable Payments
  • Skip-A-Pay Program option available

New & Used Autos

We can pre-approve your new or used auto loan before you go car shopping, which will put you in the driver’s seat when negotiating price. Because you’ll know exactly what you can afford, you’ll be able to better choose the right car with the right features at the right price. Get added buying power by contacting a branch, calling 415-775-5377 or applying online today.

Refinance Your Auto

If you have an auto loan from another financial institution, contact us about lowering your monthly payment with our EZ refinance auto loan program.
Learn More About Auto Loans

RV and Boat Loans

Don’t let financing hold you back from getting out and exploring the great outdoors, whether by boat or recreational vehicle (motor home or travel trailer). Finance your purchase with San Francisco Federal Credit Union for a low-interest way to reach your dreams.
Learn More About RV & Boat Loans

Motorcycle Loans

Whether you’re looking for new, used, rugged or sporty motorcycle, we’ve got your back. You stick to picking out the perfect motorcycle to cruise in style, and we’ll help make the finances a reality. 
Learn More About Motorcycle Loans


Consumer Vehicle Loan Products

New Auto 2023 and Newer and Less than 5k Miles
TermAs Low As APR¹ %
1-12 Months2.99%
13-36 Months6.70%
37-48 Months6.75%
49-60 Months6.80%
61-72 Months6.88%
73-84 Months6.95%
85-96 Months7.05%
Last Updated: 11/07/2023
Used Auto 2012 or Newer
TermAs Low As APR¹ %
1-12 Months7.10%
13-36 Months7.20%
37-48 Months7.25%
49-60 Months7.30%
61-72 Months7.37%
73-84 Months7.45%
85-96 Months7.79%
Last Updated: 05/23/2023
Classic Cars 2011 and Older
TermAs Low As APR¹ %
1-12 Months10.10%
13-36 Months10.20%
37-48 Months10.25%
49-60 Months10.30%
61-72 Months10.40%
73-84 Months10.50%
85-96 Months10.79%
Last Updated: 05/23/2023

RV / Motorcycle / Boat Rates View Consumer Lending Rates PDF

1Annual Percentage Rates. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. Financing is available only on vehicles with 100,000 miles or less. As of the date of this disclosure, the Prime Rate is 8.50% APR as of 09/01/2023.

*This offer is not valid on internal refinancing.

Car Loan FAQs

Can I get pre-approved before I go car shopping?

Many of our members get pre-approved for an auto loan before they start shopping for the new automobile or truck. Get added buying power by contacting a branch, calling 415-775-5377 or applying online today. Talk to our loan experts and get pre-approved for a loan amount that works for you.

Do you offer members a discount on car insurance, or any extended coverage?

Through our partner, TruStage, we offer discounts on car insurance. And if you want coverage beyond just standard auto insurance, you can extend your warranty with Mechanical Breakdown Insurance (MBI). You may also want to consider Guaranteed Auto Protection (GAP) to help pay your entire loan if your vehicle is totaled or stolen (offered for terms less than 84 months). The Credit Protection Plan allows you to cancel your auto loan debt in the case of certain major life setbacks. For more information on any of these products, please call 415-775-5377.

Do you offer lending to non-permanent U.S. residents?

Some of our lending products, like closed-end loans, are available to non-permanent U.S. residents, contingent upon review of current work permit/visa. Certain loan terms will be determined by visa/permit expiration.

I need a new set of wheels and I’m wondering if it’s better to spring for a new vehicle or to go the cheaper route and buy a used vehicle. What do I need to know about each kind of purchase?

Any decision surrounding a purchase as large as a car needs to be made with careful research and consideration. There are pros and cons on both sides of the fence here. Your final decision, though, will depend on your budget, personal preferences, and particular needs. To make your job a little easier, we’ve outlined the pros and cons of each purchase type here. 

Contact Us for more information or call 415.775.5377

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